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近几年来,国有商业银行陆续开办了个人购房贷款业务。但由于缺乏统一规定,各家银行做法不规范,影响了此项业务的发展。针对这种情况,去年中央银行颁布了《个人住房担保贷款管理试行办法》,在贷款利率、期限、额度等方面都做出了具体规定,为规范和发展个人住房抵押贷款业务奠定了良好的基础。如何申请办理商业性个人住房贷款?《办法》规定:1.贷款对象:持有当地
In recent years, state-owned commercial banks have set up personal home loan business. However, due to the lack of uniform rules, the practices of various banks are not standardized, affecting the development of this business. In response to this situation, last year the Central Bank promulgated the “Trial Measures for the Management of Personal Housing Secured Loans”, which set specific rules on loan interest rates, terms and quotas, etc., laying a good foundation for standardizing and developing individual housing mortgage loans . How to apply for commercial housing loans? “Measures” provides: 1. Loans: holders of local